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IEEE TECHNOLOGY AND SOCIETY MAGAZINE | SUMMER 2011 | 39 1932-4529/11/$26.00©2011IEEE Date of publication: 8 June 2011 Digital Object Identifier 10.1109/MTS.2011.941327 DEVENDRA DILIP POTNIS © MAHARASHTRATIMES.COM, NOV. 27, 2007 C ell phones are the fastest spreading in- formation technology (IT) in the developing world, with a penetra- tion rate of over 61% [4]. Hence, there is a growing interest among governments, investors, banking industries, and retail giants like Wal-Mart to exploit this emerg- ing channel of communication for offering services and expanding businesses to more than 3 billion poor consumers earning less than $2 per day. In response, a number of micro (individual), meso (com- munity), and macro (regional/ national)-level research inquiries and consumer surveys have inves- tigated what makes cell phones a desirable and affordable technol- ogy for people earning less than $2 per day. These multidisciplinary studies and market surveys have revealed links between access to
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Page 1: Cell-Phone-Enabled Empowerment of Woman Earning Less than $1/Day

IEEE TECHNOLOGY AND SOCIETY MAGAZINE | SUMMER 2011 | 391932-4529/11/$26.00©2011IEEE

Date of publication: 8 June 2011

Digital Object Identifier 10.1109/MTS.2011.941327

DEVENDRA DILIP POTNIS

© MAHARASHTRATIMES.COM, NOV. 27, 2007

Cell phones are the fastest spreading in-formation technology (IT) in the developing world, with a penetra-

tion rate of over 61% [4]. Hence, there is a growing interest among governments, investors, banking industries, and retail giants like Wal-Mart to exploit this emerg-ing channel of communication for offering services and expanding businesses to more than 3 billion poor consumers earning less than $2 per day. In response, a number of micro (individual), meso (com-munity), and macro (regional/national)-level research inquiries and consumer surveys have inves-tigated what makes cell phones a desirable and affordable technol-ogy for people earning less than $2 per day. These multidisciplinary studies and market surveys have revealed links between access to

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40 | IEEE TECHNOLOGY AND SOCIETY MAGAZINE | SUMMER 2011

cell phones and socio-economic opportunities for disadvantaged populations from developing na-tions [9]. However, very few of the studies [1], [5], [10] have an-swered “why this link exists,” and “how this link works.”

In order to understand details of the link between cell phones and some of the most disadvantaged users in the world, a micro-level study presented in this article fo-cuses on female cell phone users from the lowest socio-economic stratum in a male-dominated, hi-erarchical society of rural India. In particular, this socio-technical inquiry sought answers to: “Why do disadvantaged women earning less than a dollar a day use cell phones?” and “Are there any barri-ers to women’s access to, and usage of cell phones in a rural Indian set-ting? If yes, what are the barriers? And how do women cell phone us-ers overcome those barriers?”

The study [6] was conducted in Bhor, a remote, rural part of India, a developing nation with more than 35% of its population living under $2 per day. One hundred and two female cell phone users earning less than a dollar per day at a do-mestic business setup, MGU, were surveyed, and twenty two of them were inter viewed in Marathi, the native language of the researcher and interviewees. Despite being of-fered relatively lucrative compensa-tion ($0.50) for their participation, and despite mediation by a female manager working at MGU, a few potential interviewees succumbed to social and family resistance to participation and thus, stayed away from the study.

Source of Income for Women Cell Phone Users MGU offers seasonal employment (from January to May of every year) allowing respondents to use their cooking skills in prepar-ing traditional Indian snacks. Ac-cording to the mediator, part-time employment at MGU serves as a

networking opportunity for em-ployees. They exchange general information on current issues in the surrounding area, make new friends, meet old friends, and expe-rience female friends’ community outside their own families.

Respondents also rely upon al-ternate sources of income. The primary source of income for re-spondents was either a family-run business, part-time employment, or a self-owned business. However, women’s multiple sources of income had no connection with any ongoing microfi nance or microloan-related activity in Bhor. The most common family-run businesses in which par-ticipants were involved included: selling bread, kerosene, home-made fl ours and spices, vegetables, ban-gles, clothing, milk, ayurvedic med-icines, or glass utensils. Still, despite drawing income from a variety of sources, no respondent earned daily wages more than a dollar a day, on average.

Fierce market competition for selling cell phones and a conducive policy environment in the Indian telecom sector has led to low-cost connectivity for cell phones. There-fore, these poor participants were able to afford their own cell phones. These cell phones were manufac-tured by Nokia and Reliance, and cell phone service was provided by Reliance, Airtel, Vodafone, and Tata. On average, a streamlined cell phone device costs $15-20 in India. Free incoming calls and free text messaging also make owning and using a cell phone even cheap-er. Indeed, it is a general practice to use cell phone rings and “missed calls” to exchange messages rather than actual voice conversation [2]; this practice keeps cell phone bills even lower.

Toward Cell Phone-Enabled Empowerment for AllPrimarily, respondents own and use cell phones to pursue differ-ent types of needs: personal, so-cial, economic, socio-economic,

emotional, and information and communication [7]. Cell phones directly and indirectly serve as a conduit to satisfy everyday life information needs of the respon-dents. Cell phones enable disad-vantaged women to exploit socio-economic opportunities in Bhor and eventually empower some of these women. Tangible benefi ts for owning and using cell phones are as follows.

a) To earn incomeEmployment emerged as the most prominent driver for the use of cell phones among respondents (see Fig. 1). For instance, a physically challenged girl was allowed to work by her family only after owning a cell phone. In this case, the cell phone serves as the only bridge of communication between the girl and her family when she is at work. Inter-estingly, in another case, one respon-dent rents her cell phone to others for making and receiving calls.

For women who are part of family-run businesses, cell phones are used heavily for earning income by actively searching information. Priya, a housewife who helps her in-laws in running a mom-and-pop shop said:

On one call, I can get mar-ket rate for goods in different areas. I did not have any other tool to do that earlier. Hence, we decided to buy this phone. When we are do-ing business, we should buy everything that is required for business. Isn’t it? In Bhor, goods are available as that of Pune’s rate. So now I buy goods in Pune on the phone. Due to mobile, it becomes easy to contact wholesale shopkeepers in Pune. I order goods over the mobile.

b) To save moneyIn Bhor, fi xed-line telephone ser-vice is expensive compared to cell phone service. In order to save

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money required for communica-tion with the outside world, many women shifted from fi xed-line tele-phone service to cell phone service. Lata, a married woman living alone in Bhor, perceived cell phones as a luxury until her children left her to work in a nearby city. She never thought that a cell phone would be a necessary investment for her. However, due to the cost-effective nature of cell phones compared to a fi xed-line telephone system, she bought a cell phone to communi-cate with her children at any time of the day.

Even I also did not like using cell phone in the beginning. Children also do not need mobiles. But now, my son and daughter are in Pune, and we can carry mobile anywhere we wish. So we can contact each other anytime. . . . It is best to use mobile only to take care of our needs.

Expensive landline communica-tion triggered Savita to use a cell phone; she had been against using it initially. Affordability of her cell phone brought down her communi-cation expenses.

Initially, I was against using mobile. We had a landline, but after being employed, my children started using mobile. They used to make calls on our landline, which increased our bill extraordi-narily. Finally, I also decided to use a mobile. I switched from landline to mobile. . .My children used to ask, “Why don’t you call us on our mobiles?” So, making (long-distance) calls from myext landline to their mo-biles had hiked my bill.

c) To be in touch with family, friends, and othersWomen use cell phones for per-sonal, family-related, and fi nan-

cial reasons. Staying in touch with their husbands, children, family members, and friends formed a signifi cant portion of reasons for owning and using cell phones. Prabhvati, an illiterate, married woman interviewee uses her cell phone mainly to be in touch with her husband, who is a chauffeur by profession.

I am an illiterate woman. I don’t understand anything about phone. Only thing I know is to receive calls and make ones. My husband is just a driver. Phone is useful to me in fi nding out about when he would come back home, where is his vehicle, etc.

Sushila, a nurse working in a local clinic, and a widow, allows patients to contact her anytime they wish.

I live in a rural, remote lo-cality near Bhor. I work for a hospital in Bhor. I can get any help I need using mobile. I set out at seven in the morn-ing and return back at around six in the evening. So, I have been benefi ted a lot by mo-bile. Patients from the hos-pital can contact me anytime and I can help them. When I am not in a position to help

them, I could at least guide them. Plus, I could tell other nurse that I am coming, let us take this particular prepara-tion, etc. Earlier I never felt that mobile was of any use, but recently in the last year I started experiencing its value.

Swati realized the need of us-ing a cell phone when her husband and son met with an accident. The role played by the cell phone in that emergency made her realize that the cell phone can be an effective tool for communication.

My husband and son had gone to Shirwal (a nearby town) for some work, where they had an accident. My son had a mobile and we had a landline at home, so they could communicate us urgently. We were informed about the accident and hence, we could reach on the spot. After that I bought mobile for myself.

Priya who has two school-going children observed:

Using my mobile, I can reach teachers of my children who attend school regularly. Dur-ing the exam period, I can talk to my children by calling

Fig. 1. Why women use cell phones [6].

To Avoid Travel4%

Emergency14%

To Stay inTouch withFriends 5%

To Stay in Touch with Husband and

Childern 25%

HealthReasons 1%

Just forFashion 1%

Employment35%

Business2%

Disability1%

Safety 12%

To Earn byRenting a MobileCell-Phone 1%

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on their teachers’ cell, and ask them, how long is it go-ing to take them for returning back from the school?

Most of the time, married re-spondents used their cell phones to talk with their husbands and chil-dren. For all respondents, female friends at work and female rela-tives emerged as the second larg-est group with whom respondents communicate over their cell phone. Female friends at work encourage most of the respondents to own and use cell phones.

d) To acquire and/or offer emotional support For many respondents, a cell phone acts as a powerful medium to reach someone, to seek and of-fer emotional support anytime they wish, thereby overcoming the barrier of distance and time. Anuja, an unmarried girl, uses her cell phone to strengthen emotional bonds within her social circle. In her own words:

At times, mobile has defi -nitely great utility value. If something goes wrong with any of friend and if I cannot visit that friend, then at least I can call him to console. Many a times, people just need our supportive words. Even if we are not able to be with our people physically, our words could support them at times. Mobile can be of great help.

e) To increase productivityRespondents use cell phones to pur-sue social and economic needs. For instance, socio-economic opportu-nities for Archana and her husband encourage them to use cell phones.

I own a small business of papad[traditional Indian snack]. Five years ago, when I did not have mobile, I used to visit each and every home

in Bhor to sell papads. Soon we realized that I had to get a mobile. Now I can get things done very effi ciently. Cus-tomers call me on my mobile and could pick up their order from my home. I can make urgent calls using my mo-bile. My husband works for grampanchayat*[government’s unit in a village]. I can contact him anytime, if required. He conducts classes every Sunday, so his students can contact him even on my mobile, if his mo-bile is busy or not working.

Madhavi, an unmarried girl, works at a place that is located far away from her home. Sometimes, when she forgets something im-portant at home or when she needs something to be brought from her home to offi ce, she can simply seek help from family members. Thus, she can save time and effort in long-distance travel.

If I go out to some other village, I could contact my parents. I do some jobs here, so if there is anything im-portant to share, then from my workplace, I can contact my family anytime. After giving them a message, they can bring things that I need from home.

Archana, an unmarried fortune-teller, offers her con-sultation to clients from near-by areas. She said:

People call me to ask about their horoscopes. For seeking appointments or asking per-sonal questions my clients call me in afternoons and evenings. For some people, if personal visits are not possible, then we communicate and I consult over my cell phone. People consult me on my phone, if there are any problems in their horoscopes, or if they need to carry out any rituals.

Thus, due to cell phones, Arch-ana could expand her business and reach more clients who live far away from her home. In general, respondents could use their re-sources smartly and brought fl ex-ibility in jobs, by incorporating cell phones into their daily lives.

f) To assure safety and security Respondents started feeling safer and more secure in a male-domi-nated, remote, rural part of India. With cell phone in hand, a woman could go out more often even at night, using her cell phone as a torch as well as a communication device. Jija, a married interviewee, used her cell phone to communi-cate about her safety and security to her family, while working at a distant place.

I used to do a job at Pune. I had bought a mobile then. I used to get late while returning from my job, so my family members used to worry about me all the time. I used to commute every-day between Bhor and Pune. It takes one and a half hour be-tween Bhor and Pune.

For respondents like Jija, options to work outside Bhor broadened due to their cell phone-enhanced ability to reach families even when they are travelling alone or returning late from jobs.

g) To share and/or seek information/knowledge When information needs can be satisfi ed exclusively by experts or knowledgeable people, women do not hesitate to use cell phones to seek knowledge. A special piece of information such as a password is also communicated over cell phones, particularly when the need for a password could be realized at workplaces. For instance, Anuja, a skilled worker said:

When I need some information and I think that a particular

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person might be more knowl-edgeable, then I call that per-son to seek more information. Once, my friend had called me for a “password” to open my “desk”. Sometimes my colleagues call me, when they don’t understand the ways in which I have completed some assignment.

Moreover, Anuja’s colleagues call her on the cell phone to resolve work-related queries. This really helps her when she does not go to work due to ailments.

h) To experience recreation with othersA cell phone is widely used as a so-cializing tool by many unmarried respondents. For example, the teen-aged Prachi and her friends enjoy playing pranks with each other on their cell phones.

My “best friends” keep teas-ing me from different num-bers. We enjoy that! Friends call me just to ask my where-abouts or when we plan to go out. Nowadays I don’t get to see my friends, so we keep in touch through cell phone. . . I have good relations with many people, which are maintained through my mobile.

Bharati, a mother of three chil-dren complained about “too much” use of cell phones by her children for “doing nonsense” with friends. Due to free talk-time provided by cell phone service providers at night, children seem to be exten-sively using cell phones of their family members for chit-chatting and recreation.

i) To show off The study also identifi ed one respon-dent who uses her cell phone just be-cause others use them. Surprisingly, in Bhor, a cell phone is also consid-ered a status symbol. From the nar-ratives it is clear that respondents

attach all kinds of meanings to own-ing and using cell phones. Meanings associated with owning and using cell phones range from a technology essential to earn bread and butter for the family, to a prestige issue in the community.

Although there is a wide range of benefi ts to owning and using cell phones, it has never been easy to do so for many disadvantaged women.

Overcoming Barriers to Owning and Using Cell Phones Despite paying bills and taking care of all the expenses related to cell phones, disadvantaged women face a number of barriers in owning and using cell phones. These barriers can be broadly categorized as human and tech-nical. Human barriers are gener-ally family members, society, and telemarketers, whereas technical barriers are posed by inconve-nient cell phone devices, poor in-frastructure set-ups by cell phone service providers, and an insuffi -cient supply of electricity.

Human BarriersAlmost all interviewees ex-pressed their concerns about peo-ple’s tendency to discourage and create hurdles for them to own cell phones, and to process and to use information acquired over those phones. Sushila, a widow, reported:

I cannot tell exactly how many times I receive bad calls in a month, but they do come. They make fun of me by calling anytime. I am a widow. I am fi nancially inde-pendent despite adverse cir-cumstances. Many people do not approve it. They trouble me. I use bicycle for com-mute (it is not very common in Bhor to have women bicy-cling on streets). Somehow people get my mobile num-

ber and try to discourage me from what I am doing. I tell them that I don’t want to talk to strangers and hang up their calls; or I tell them that I am busy and I don’t wish to talk to them then. But still they trouble me in different ways. They create hurdles for me. . . Trouble-makers try to bring me ill-fame at places where I work; they call me and talk dirty things and gossip about my character.

Unwanted calls from telemar-keting advertisers create a differ-ent kind of human barrier. Gouri, an unmarried girl, complained:

I receive a lot of “unwanted calls”. Nowadays, “market-ing” through mobile is in boom, which is very annoying. Nowadays, these people mar-ket “insurance” and “invest-ment policies” through mo-bile. Those companies keep on calling you all the time; and they call from different num-bers. So I am unable to decide whether to pick up calls from any specifi c number, or not. Usually when I am in rush, by mistake I pick up their calls. And sure enough, that call is of an unwanted advertisement. Except this problem, mobile is very useful.

In Bhor, there were many rumors regarding the usage of cell phones. These rumors spread confusion, doubts, and created fear among cell phone users, including respon-dents. Shalan, a widow said:

In the past, people scared me for using mobile. They told me that weird sounds could come from the mobile, or it could burst anytime, so I was afraid of using my mobile. Some peo-ple also used to say, never pick up your phone when red light is on. I used to be tensed while

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picking up calls on my mobile. All kids used to say that never pick up calls when red light is on. So I used to be scared and in dilemma about whether to attend a phone call or not.

For a long time, Archana’s mother-in-law opposed her owning and us-ing a cell phone.

We live in a joint family. In the beginning, they did not give consent for it. I have a mother-in-law living with me. For a variety of reasons, she always resisted me from buying a mo-bile. She opposed me a lot. She used to ask me—What is the need? It would be a great trou-ble. People would keep com-ing to you for using your mo-bile for free. My husband and I thought a lot about it. But we did not rush at all. . . Almost a year or year and a half passed away. . . Afterwards, my moth-er-in-law was convinced that I could make a good use of mo-bile. Mobile has proven to be of great use to us.

With the help of husbands and children, respondents could over-come similar oppositions by in-laws for owning and using cell phones.

Technical Barriers Technical diffi culties faced by respondents were either due to cell phones or due to a lack of in-frastructure required to use cell phones in a remote part of India.

Language Creating Barrier to Text Communication More than three quarters of sur-veyed participants have English as a language of instruction and com-munication on their cell phones. The remaining participants have Hindi, a national language, and Marathi, the native language for instruction and communication. However, English acts as a barrier

for all married and elder respon-dents, since most of them can-not read and understand it; hence they cannot use the SMS service offered in English. Therefore, English inhibits their efforts in us-ing cell phones to actively search and seek information. This fact is mainly responsible for keeping disadvantaged women from an older generation away from the digital economy. Extra charges for receiving service in Marathi inhibit interviewees from using text messages, although they pre-fer text communication in Marathi over English. In contrast, all un-married, young interviewees rely upon SMS as a text mode of com-munication.

Unfriendly Cell Phone InterfacesDesigns and interfaces of cell phones also create technical prob-lems for its users. Keypads are typically designed for English, and thus, they are unfriendly to many other languages. For instance, Gouri cannot use the Marathi SMS feature, despite wanting to use this feature.

I would like to have Marathi on my mobile rather than English, because Marathi is my mother-tongue. But tex-ting in Marathi is problem-atic. We are used to English typing for “daily routine”. Marathi typing is diffi cult, so mostly English is used.

Infrastructure-Related ProblemsIn Bhor, poor infrastructure for electricity and the cell phone signal network make it diffi cult to use cell phones seamlessly. Due to the inter-mittent supply of electricity, Sushila cannot charge her cell phone any-time she wants.

Every day, we have electric-ity for only 6 to 7 hours. I charge my mobile during

that period. If the electricity is unavailable in the morn-ings, it comes back in the evenings, and vice-a versa. So during that short period, I charge my mobile.

Range and signals act as techni-cal barriers for Sushila, who lives at the bottom of hills.

Many a times it happens that relatives call me and the range does not reach here.

In order to make a call, she climbs up on a ladder vertically inclined toward the roof of her house, and then after punching numbers on the cell phone, she raises her other hand up in the air. Once the call is connected, she comes down and usually, the signal is not lost.

So why do Sushila and many others take risks, struggle against many odds, and overcome barriers to talk over cell phones? Are wom-en’s ownership and usage of cell phone only about opportunities and empowerment, or something more?

Value of Cell Phones Beyond EmpowermentRich narratives of disadvantaged cell phone users demonstrate that cell phones introduce them to a number of socio-economic oppor-tunities even in a remote, rural part of a developing nation. Unfortu-nately, in most situations, unmar-ried girls reported that male family members often deny women’s right to access cell phones. In contrast, some married women reported that their mothers-in-law were against the idea of using cell phones; how-ever due to the fi rm support pro-vided by respondents’ husbands or children, they could overcome this human barrier. Nonetheless, human barriers faced by disadvantaged women in owning and using cell phones—especially when they can afford it—imply that the benefi ts of using cell phones are beyond just socio-economic opportunities.

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The respondents’ social struggle is related to the power of informa-tion, and to the use of cell phones as information channels. This ac-cess to information can potentially empower illiterate, less-educated women as equally as men. Access to cell phones challenges the power equilibrium in a remote, rural part of India because it increases the likelihood of empowerment for dis-advantaged women.

Numerous direct and indi-rect benefi ts of using cell phones clearly empowered some respon-dents. For instance, for the fi rst time in their lives, two physically challenged and three unmarried female respondents became fi -nancially independent. This inde-pendence was the result of their ability to reach their families over the cell phone. In some cases, women feel that they have gained higher status in their families, be-cause cell phones enable them to earn equally with their husbands and other male relatives. In ad-dition, many unmarried girls re-ported feeling safer due to their ability to reach anybody anytime over their cell phones. In the context of weak signal network, some respondents climb up on ladders to catch cell phone sig-nals; their habit of going to such extremes emphasizes the value of cell phones beyond the pursuit of socio-economic opportunities.

In some cases where an interview-ee did not even have a fi xed-landline phone for communication, she de-cided to pursue information needs through a cell phone. For example Kavita, an unmarried girl said:

At our home, we did not have phone, even a “landline”. We always used to rely on our neighbors for calls, either for making or receiving. It does not feel right to bother neigh-bors all the time, isn’t it? So it was decided to buy a mobile.

This is a perfect example of de-velopment achieved through tech-nological leapfrogging, in which citizens from developing nations bypass technologies used by de-veloped nations, and adopt innova-tive, inexpensive technologies [3]. Although, conclusions based on experiences of owning and using cell phones by a small sample of respondents cannot be generalized, cell phones seem to be instrumental in advancing disadvantaged wom-en through opportunities, empow-erment, and development stages in a rural part of India.

Opportunities, Empowerment, and DevelopmentRespondents’ access to cell phones offers not just opportunities to all and empowerment to some, but it also propels some disadvantaged women further toward develop-ment. Noble laureate Dr. Amartya Sen defi nes development as free-dom—freedom to make decisions about earning, living, culture, poli-tics, etc.—which empowers people [8]. In the context of inferred cell-phone-enabled linking of oppor-tunities, empowerment, and devel-opment, further in-depth research is required to study the impact of cell phones on the development of disadvantaged populations from developing nations.

In the meantime, fi ndings from this current study could inform vari-ous governments and businesses that are exploring the possibility of piggybacking on rapidly expanding cell phone networks among the poor consumers in the developing world. For example, barriers to owning and using cell phones revealed in this study could guide ways that mobile banking, mobile governance, mobile Commerce, etc., serve disadvantaged populations, offering them opportu-nities, empowering their lives, and ultimately involving them in cell-phone-driven development for all.

Author InformationDevendra Dilip Potnis is Assis-tant Professor in the School of Information Sciences, University of Tennessee, Suite 442 Commu-nications Bldg., 1345 Circle Park, Knoxville, TN 37996; [email protected].

AcknowledgmentThe author thanks Lisa Christian for her editorial assistance.

References[1] S. Cecchini, “Tapping ICT to reduce pov-erty in rural India,” IEEE Technology & Soci-ety Mag., pp. 20–27, Summer 2003.

[2] J. Donner, “The rules of beeping: Exchang-ing messages via intentional “missed calls” on mobile phones,” J. Computer-Mediated Com-munication, vol. 13, no. 1, 2007.

[3] R. Heeks, S. Arun, and S. Morgan, “ICTs for economic empowerment of women in South Asia,” in Encyclopedia of Gender and Information Technology, E. Trauth, Ed. Her-shey, PA: IGI, 2006, pp. 793–797.

[4] ITU, Measuring the Information Society: The ICT Development Index. Geneva, Swit-zerland: International Telecommunication Union, 2009.

[5] R. Jensen, “The digital provide: Informa-tion (technology), market performance, and welfare in the South Indian fisheries sector, Quart. J. Economics, vol. CXXII, pp. 876–924, 2007.

[6] D. Potnis, “Mobile technologies and socio-economic opportunities for disadvantaged women: A study of information behavior in a developing nation context,” dissertation, State University of New York—University at Al-bany, Albany, NY, 2010.

[7] D. Potnis, “ Emergent coding for bottom-up data analysis to voice and connect informa-tion needs of disadvantaged female cell phone users from a Rural Indian context,” working pap. # 5, Univ. of Tennessee at Knoxville, Knoxville, TN, 2010.

[8] A. Sen, Development as Freedom. New York, NY: Knopf, 1999.

[9] UN, Global e-Government Readiness Re-port 2004: Towards Access for Opportunity, United Nations Department of Economic and Social Affairs, United Nations Department of Economic and Social Affairs, and Division for Public Administration and Development Man-agement, 2004.

[10] L. Waverman, M. Meschi, and M. Fuss, The Impact of Telecoms on Economic Growth in Developing Countries. London, U.K.: London Business School, 2005.


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